[Rick Lee]

I don't cold call at all. These people mail in lead cards, asking for me to contact them about final expense insurance. I run appointments they set with me by phone. 20% of them no-show, so I door knock them at a later date when I happen to be in the area. But I don't do that without their handwritten lead card in my hand to show them why I'm there. 90% of my business is fixing whatever mess they got into with more expensive insurance sold by unscrupulous agents. Again, this demographic has a fanatical belief in life insurance. i don't have to convince them they want or need it when they already have it and are overpaying for it. When i can save someone $25/mo for the same or more coverage, sometimes get them thousands of dollars cash back in the process, well, I sleep just fine at night.